VISA takes the prize this time. My credit-cards are all set an auto payments to pay the full amount every month. However, please take a look at what happens if you only pay the minimum amount:
It would take 109 years+ to repay the debt!
The sad thing is that some people do pay the minimum amount (is that like the U.S. debt?).
Interesting, that the amount above would not be repaid in my or in my kids life time.